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Healthcare
Medicare is federal health insurance for people 65 and older. Understanding when and how to enroll — and which supplemental coverage to add — can save you thousands per year.
Recommended: Medigap Plan G
Medigap Plan G is the most comprehensive plan available. Your only out-of-pocket cost is the annual Part B deductible (~$283). You can see any Medicare-accepting doctor nationwide with no referrals or prior authorization.
The ~$200/month premium difference is 2.3% of your annual expenses — a relatively small cost for comprehensive, worry-free coverage.
You'll also need a standalone Part D drug plan (~$25–45/month) since Medigap does not include prescription coverage.
| Plan | Est. Monthly Premium | Max Annual OOP | Any Doctor | Travel | Rx Bundled | Best For |
|---|---|---|---|---|---|---|
Medigap Plan GRecommended Medigap | $110–$195/mo (+~20% for age) | ~$283/yr (Part B deductible only, 2026) | ✓ | ✓ | ✗ | Maximum coverage, predictable costs |
Medigap Plan N Medigap | $75–$150/mo (+~20% for age) | ~$283 deductible + $20 office / $50 ER copays | ✓ | ✓ | ✗ | Balance of coverage and cost |
Medigap Plan K Medigap | $50–$100/mo (+~20% for age) | $8,000/yr cap (2026) | ✓ | ✗ | ✗ | Lowest Medigap premium, catastrophic cap |
Medicare Advantage Medicare Advantage | $0–$258/mo (80% of 228 plans $0) | $1,500–$9,850/yr in-network (cap $9,850; $14,800 combined) | ✗ | ✗ | ✓ | Low premiums, bundled Rx & dental |
* Medigap premium estimates are approximate for a 65-year-old, as of April 2026. Actual premiums vary by age, gender, state, tobacco use, and insurer, and change on each policy's renewal date rather than with the plan year. Medigap plan benefits are federally standardized per plan letter — identical across insurers. Contact providers directly for exact quotes. Medicare Advantage figures are from CMS 2027 plan data for Texas (excluding special needs plans).
† Premiums above do not include the Part B premium (~$202.90/mo in 2026; the 2027 amount hasn't been announced yet), which all enrollees pay to Medicare separately on top of any plan premium.
‡ Based on your married filing jointly status, if your 2024 MAGI exceeded $218,000, IRMAA surcharges add at least +$81.20/mo to Part B and +$14.50/mo to Part D. See My Plan for the full bracket table.
Providers for Medigap Plan G in Texas
Click a plan row above to see providers for a different plan type.
Medicare doesn't give star ratings to Medigap plans. Every insurer's Medigap Plan G covers the same benefits, so compare premiums, how each insurer has raised rates, and its customer service.
Edit with your actual quote — it will be saved automatically.
Edit with your actual quote — it will be saved automatically.
Edit with your actual quote — it will be saved automatically.
Edit with your actual quote — it will be saved automatically.
⚠ Aetna scaled back Medigap sales for 2026 — confirm it sells in your state
Recommended: Wellcare Value Script
Ranked by estimated total annual cost (premium + drug out-of-pocket) for a typical person with common generics (atorvastatin, amlodipine, lisinopril, levothyroxine). Re-evaluate and add your own medications for a personal estimate.
All major Part D plans offer mail-order pharmacy with 90-day supplies at lower per-fill costs. Check each plan's preferred mail-order pharmacy when enrolling.
Inflation Reduction Act — $2,400 annual cap (2027): Once your out-of-pocket drug costs hit this limit, the plan pays 100% for the rest of the year. This cap applies to every Part D plan equally, which is why low-premium plans win for both healthy enrollees and specialty drug users.
Estimated Annual Cost by Plan (Mail Order preferred)
A typical drug list — click to toggle:
For couples: toggle on only your medications, select your plan, then switch to Spouse and toggle on only their medications to find their best plan.
| Plan | Premium | Deductible | Est. Drug OOP | Est. Total | Coverage |
|---|---|---|---|---|---|
Wellcare Value ScriptRecommended Wellcare (Centene) · Wellcare Value Script (S4802-155)T1 generics exempt from deductible Formulary1-800-935-5462 | $5.30/mo | $700 | $0 | $64 | T1atorvastatin$0/moQL T1amlodipine$0/mo T1lisinopril$0/mo T1levothyroxine$0/mo |
Humana Basic Rx Plan Humana · Humana Basic Rx Plan (S5884-143)All drugs subject to deductible Formulary1-800-281-6918 | $6.30/mo | $700 | ~$117 | ~$193 | T2atorvastatin~$3/mo T1amlodipine~$1/mo T1lisinopril~$2/mo T1levothyroxine~$4/mo |
Wellcare Classic Wellcare (Centene) · Wellcare Classic (S4802-013)All drugs subject to deductible Formulary1-800-935-5462 | $7.30/mo | $700 | ~$178 | ~$266 | T1atorvastatin$6/moQL T1amlodipine$2/mo T1lisinopril$2/mo T1levothyroxine$5/mo |
Humana Value Rx Plan Humana · Humana Value Rx Plan (S5884-201)$0 generics during deductible Formulary1-800-281-6918 | $33.20/mo | $687 | $0 | $398 | T1atorvastatin$0/mo T1amlodipine$0/mo T1lisinopril$0/mo T1levothyroxine$0/mo |
SilverScript Choice Aetna/CVS Health · SilverScript Choice (S5601-044)All drugs subject to deductible Formulary1-866-235-5660 | $111.40/mo | $700 | ~$153 | ~$1,490 | T1atorvastatin$3/moQL T1amlodipine$3/mo T1lisinopril$3/mo T1levothyroxine$4/mo |
Humana Premier Rx Plan Humana · Humana Premier Rx Plan (S5884-168)$0 generics during deductible Formulary1-800-281-6918 | $137.50/mo | $350 | $0 | $1,650 | T1atorvastatin$0/mo T1amlodipine$0/mo T1lisinopril$0/mo T1levothyroxine$0/mo |
AARP Medicare Rx Saver from UHC UnitedHealthcare · AARP Medicare Rx Saver from UHC (S5921-367)All drugs subject to deductible Formulary1-877-699-5710 | $115.70/mo | $700 | ~$294 | ~$1,682 | T1atorvastatin$7/moQL T1amlodipine$5/mo T1lisinopril$6/moQL T1levothyroxine$7/mo |
AARP Medicare Rx Preferred from UHC UnitedHealthcare · AARP Medicare Rx Preferred from UHC (S5921-403)$0 generics during deductible Formulary1-877-699-5710 | $199.00/mo | $300 | $0 | $2,388 | T1atorvastatin$0/moQL T1amlodipine$0/mo T1lisinopril$0/moQL T1levothyroxine$0/mo |
About these estimates: Rankings show which plan is likely most cost-effective for your medications, but actual totals will differ based on your pharmacy and dosage. Premiums and deductibles are each plan’s actual figures for your region. Tablet and capsule prices come from CMS plan pricing data, assuming one per day; other drugs use typical prices for their tier. Use medicare.gov/plan-compare to verify exact costs in your area before enrolling. OOP cap: $2,400 (2027).
Deductible plans — not all are equal: Plans with a deductible (up to $700 in 2027) differ in how they handle generics. Some charge $0 for common generics (Tier 1/2) even during the deductible phase, while others require you to pay the full negotiated drug price for every fill until the deductible is met. Look for the tags on each plan above.
Couples tip: Each spouse enrolls in their own Part D plan — you don't have to pick the same one. Enter both spouses' medications together, then use the toggle pills above to switch between each person's drugs. The ranking may change, making a different plan optimal for each spouse.
Important: This tool is for educational and planning purposes only. Consult a licensed insurance agent, your State Health Insurance Assistance Program (SHIP), or contact Medicare (1-800-MEDICARE) or the plan provider directly before making enrollment decisions.